TROUBLESHOOTING

Having Trouble Logging In with Login Security?

Security refers to preventing unauthorized access to a computer system or network. Internet Banking uses several
layers of technology to prevent unauthorized users from gaining access to the internal network. Internet Banking's
security professionals manage a sophisticated networking architecture that includes screening routers, filtering routers,
and firewalls.

The Internet Banking section is automatically secured/encrypted, but the rest of the Website can be accessed as either
secure or unsecure.

Internet Banking is a term for accessing your account information over the Internet. We may refer to it as Internet Account
Access or use a different name.

What is Multifactor Authentication?

Your online security is important to us, as well as providing you easy and convenient banking tools. Your online banking
experience may include a new Enhanced Login Security service to further help protect you from identity theft which is known
in the online security industry as Multifactor Authentication, or MFA.

Authentication is the process used to allow access to only the correct customer. Without effective authentication controls,
it is possible for fraudulent users to access your account. We authenticate customers by issuing challenges that only the
true customer should be able to pass.

Multifactor Authentication means that two or more different types (or factors) of authentication must be passed. By using
two different factors of authentication, we get a higher assurance that the customer is the intended user. MFA is
commonly
used to protect transactions at ATMs, where your card is something you have, and your PIN code is something you know.

For your convenience, after you successfully authenticate with your User ID, password and Login Security (One-Time
Passcode (OTP) or Challenge Questions, if available), you may enroll your computer for use in authentication. If you
choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of
your phone for something you have in your possession.

We recommend you ensure that your browser settings and any antivirus software you have do not delete your cookies
(data files) so that you are not prompted to provide Login Security (One-Time Passcode (OTP) or Challenge Questions, if
available) every time you log into Internet Banking.

Logging in from a Computer You Normally Use?

When you choose to enroll your computer as PRIVATE, a special Browser Cookie will be present on the system, which will
act in place of your Login Security (One-Time Passcode (OTP) or Challenge Questions, if available). You will only need
your User ID and password to access your account information.

If you are still getting prompted to provide your Login Security, then please ensure that you have the following:

Browser is not set to delete cookies – Please follow the steps in listed in this help for your respective browser to
determine if cookies are being deleted

Any antivirus software is not set to delete cookies

No viruses or malware on your computer

No usage of a proxy server or “web accelerator” by your internet service provider

If using a computer from work, verify that your office technical department is not automating deletion of cookies

Logging in from a Computer You DO NOT Normally Use?

When you choose to list your computer as PUBLIC, you will need to provide your User ID, password and you will be
prompted to provide your Login Security (One-Time Passcode (OTP) or Challenge Questions, if available) each time you
log into your account. We recommend this setting when logging in from a library or school computer.

Password Security

To ensure security, we recommend the following:
Never reveal your password**.

**Password refers to your telephone access (audio response system, not Bill Payment) password or the password that
you selected when you signed up for Internet Banking. We may alternatively use a different name (e.g. "PIN"). If you have
questions about what to enter in order to access Internet Banking for the first time, contact our Customer Service.

IMPORTANT:

Some browsers allow you to enable a function to require passwords for specific sites or
certifications. In that instance, you should enter the password for the browser.

RECOMMENDED OPERATING SYSTEMS FOR INTERNET BANKING

Recommended Operating Systems

Windows Vista

Windows 7

Macintosh OS X

Internet Banking is optimized to use with certified/recommended operating systems. By using a different operating system, you may not be able to take full advantage of all the features within Internet Banking. Click here for a list of recommended browsers.

DETERMINING YOUR BROWSER VERSION

ABOUT COOKIES

Cookies are small text files on your system, used to keep track of settings or data for a particular site. Web sites can use cookies to identify a returning user or to pass information between Web pages in a single visit.

There are two types of cookies: temporary and permanent. Temporary cookies are used and tracked by the browser to pass information and are deleted once the browser is shut down. Permanent cookies are stored on your system and can be accessed again for multiple visits. Permanent cookies usually have an expiration date and will be automatically deleted from your system at that time. Internet Banking uses temporary cookies and may use permanent cookies, but never passes private information through cookies.

An example of how Internet Banking uses a temporary cookie is in the demo. The browser uses the cookie to either show or hide the overview depending on the user's choice. Every time the demo is used, that cookie will be used and deleted once the demo is exited or the browser is shut down.

Internet Banking also uses a different kind of temporary cookie known as a session cookie, a non-persistent cookie, or a pre-expired cookie. This cookie is used as part of the stringent security measures in Internet Banking to make sure that each page in Internet Banking is not cached or saved on your system. This means that each page must be retrieved from the Web server. This cookie is deleted when a user logs or times out of Internet Banking or if the browser window is closed and ensures that another user on the same computer cannot access the previous user's Internet Banking session or information.

If you use Enhanced Security, Internet Banking may place a secure permanent cookie on your computer. This secure cookie is unique, and when used in combination with your login information, creates a unique way to identify you to the system. For every login attempt after you add extra security to a computer, this secure cookie is validated along with the login identification you normally enter. This secure cookie is only used to validate your identity and does not contain any personal information.

ABOUT JAVASCRIPT

JavaScript is a widely accepted, simple programming language that allows a Web site to be more interactive. Web sites can use JavaScript to perform many actions such has calculations, displaying dynamic navigation, and rotating through banner images. By using JavaScript, Web sites can be proactive by making a better internet experience.

An example use of JavaScript in Internet Banking is form validation. Validation is simply enforcing certain rules on different fields. When presented with a phone number field, JavaScript can alert the user if the phone number format is incorrect or if a value in the field is not a number. This allows the form to be filled out and submitted correctly the first time.

If JavaScript is not enabled, some or all of the Internet Banking features may not work. In most browsers, JavaScript is enabled through the adjustment in Security Settings. Please refer to the specific section for your browser by clicking on the link located in the index at the top of the page.

ABOUT SSL

Before initiating your Internet Banking, we first require that a "secure session" is established using Secure Socket Layer (SSL) encryption. This is a process where the information between our server and your browser is encrypted or scrambled so it cannot be read by unauthorized parties.

A general indicator that you have entered a secure session is when the URL (web page address)
in the address bar starts with "https" (note the "s" at the end) rather than "http", your session
is secure.

ABOUT DISPLAY SIZE

The content of a Web site is created to be best viewed in a range of display sizes or screen resolutions. The display size
maximum is determined by your monitor's maximum display area (by maximizing your browser window) and the display size minimum
is user controlled by resizing the window to be smaller then the maximum area allowed.

By viewing a Web site at or above the recommended display size or screen resolution all the Web site content can be seen
without scrolling left to right. Each Web site will vary with their recommended display size or screen resolution, but the
most recommended browser display size is 1024 width by 768 height (1024 x 768).

Your monitor's display size, sometimes referred to as the desktop area is a setting controlled by your Operating System.
Please refer to your Operating System documentation on how to determine and change your display size.

ABOUT ADOBE ACROBAT READER

Adobe Acrobat Reader is a free browser plug-in that can read certain document file types known as PDF (portable document format). Having this plug-in allows you to read a PDF file from your browser window rather than having to open the Adobe Acrobat program to read the file. If you need Adobe Acrobat Reader, click here and follow the directions on Adobe's Web site.

RECOMMENDED BROWSERS FOR INTERNET BANKING

Recommended Browsers

Microsoft Internet Explorer 8+

Mozilla Firefox 4+

Safari 6

Our site is optimized for use with certified/recommended browsers. If you use a different browser, you
may not be able to take full advantage of all the features of the site. NOTE: At this time Google
Chrome is a supported browser, not a recommended browser. In addition, if America Online
(AOL) is embedded within a certified browser, it is also considered to be supported. Otherwise, AOL is no
longer a recommended or supported browser and has not been tested as thoroughly as a recommended browser.

Be sure to select a recommended or supported version when downloading at the following locations:

Internet Explorer 10/11 Settings

Browser Settings

If your Browser Test Utility states that you are using Internet Explorer 7 and you know that you are running IE 8, IE 9,
or IE 10/11, you may be running in Compatibility View Mode. To turn it OFF, click Tools icon in the menu bar then click
on Compatibility View mode in the drop-down list (it’s a toggle switch). If the checkmark disappears in the menu list, then
Compatibility View mode has been shut off and your browser version should now display correctly whenever you check it.

Cookies

If you are using Internet Explorer 10/11, you may be deleting your cookies automatically and will need to change that
setting in order to more easily access online banking (skip entering the verification code).

To properly access Online Banking solutions you will need to enable first-party and third-party cookies.

Open your browser, click on TOOLS (also known as Gear icon).

Select Internet Options.

In the GENERAL tab, under the heading Browsing history, uncheck the 'Delete browsing history on exit' checkbox.

Click on the Privacy tab.

Click the "Advanced" button.

Select the "Override Automatic Cookie Handling" checkbox.

Select 'First-party Cookies' and 'Third-party Cookies', if needed.

Select the "Always Allow Session Cookies" checkbox.

Click the OK button.

Security

Open your browser, click on TOOLS (also known as Gear icon).

Select INTERNET OPTIONS.

Click on the SECURITY tab.

Set the Security Level for the Internet Zone to Medium-high. (if slider bar is not available, click on the button "Default Level").

Click the OK button.

Click on the PRIVACY tab.

Set the Privacy Setting to MEDIUM.

Click on the button "Advanced".

Put a check mark next to "Override Automatic Cookie Handling".

Under First-party Cookies make sure the radio button is set to ACCEPT.

Under Third-party Cookies make sure the radio button is set to ACCEPT.

Put a check mark next to "Always Allow Session Cookies".

Click the OK button.

Click on the ADVANCED tab.

Under Security make sure the checkbox for "Do not save encrypted pages to disk" is blank.

Under the Security Section, put a check mark next to "Use SSL 3.0" and "Use TLS 1.0".

Click on OK until exited completely from options.

Then close all browser windows (resets the IE browser settings) and start up the browser again.

Deleting All Temporary Internet Files:

WARNING!MFA Impact - Doing this will cause an end user to be challenged at log
in on an authorized computer.

Open your browser, click on TOOLS (also known as Gear icon).

Select INTERNET OPTIONS.

Click the GENERAL tab.

Under Browsing History, click the 'Delete...' button.

In the Delete Browsing History popup window, put a check mark next to Temporary Internet Files. User may decide
whether to put a check mark in all other boxes in this window.

Click on the 'Delete' button at bottom of popup window.

Click on OK until exited completely from options.

Deleting Cookies Only:

WARNING!MFA Impact - Doing this will cause an end user to be challenged at login
on an authorized computer.

Open your browser, click on TOOLS (also known as Gear icon).

Select INTERNET OPTIONS.

Click the GENERAL tab.

Under Browsing History, click the 'Delete...' button.

In the Delete Browsing History popup window, check the box for Cookies. Uncheck all other boxes in this window,
with possible exception of 'P/reserve Favorites website data'.

Internet Explorer 9+ Settings

Browser Settings

If your Browser Test Utility states that you are using Internet Explorer 7 and you know that you are running IE 8, IE 9,
or IE 10/11, you may be running in Compatibility View Mode. To turn it OFF, click Tools icon in the menu bar then click
on Compatibility View mode in the drop-down list (it’s a toggle switch). If the checkmark disappears in the menu list, then
Compatibility View mode has been shut off and your browser version should now display correctly whenever you check it.

Cookies

If you are using Internet Explorer 9, you may be deleting your cookies automatically and will need to change that
setting in order to more easily access online banking (skip entering the verification code).

Within Internet Explorer, click the Tools icon on the upper right side (looks like a gear wheel).

Select Internet Options from the dropdown list.

In the Browsing history section, uncheck the 'Delete browsing history on exit' checkbox.

Click on the Privacy tab.

Click the "Advanced" button.

Select the "Override Automatic Cookie Handling" checkbox.

Select 'First-party Cookies' and 'Third-party Cookies', if needed.

Select the "Always Allow Session Cookies" checkbox.

Click the OK button.

Security

Click on TOOLS.

Select INTERNET OPTIONS.

Click on the SECURITY tab.

Set the Security Level for the Internet Zone to Medium-high. (if slider bar is not available, click on the button "Default Level").

Click the OK button.

Click on the PRIVACY tab.

Set the Privacy Setting to MEDIUM.

Click on the button "Advanced".

Put a check mark next to "Override Automatic Cookie Handling".

Under First-party Cookies make sure the radio button is set to ACCEPT.

Under Third-party Cookies make sure the radio button is set to ACCEPT.

Put a check mark next to "Always Allow Session Cookies".

Click the OK button.

Click on the ADVANCED tab.

Under Security make sure the checkbox for "Do not save encrypted pages to disk" is blank.

Under the Security Section, put a check mark next to "Use SSL 2.0" and "Use SSL 3.0".

Click on OK until exited completely from options.

Then close all browser windows (resets the IE browser settings) and start up the browser again.

Deleting All Temporary Internet Files:

WARNING!MFA Impact - Doing this will cause an end user to be challenged at log
in on an authorized computer.

Click on TOOLS.

Select INTERNET OPTIONS.

Click the GENERAL tab.

Under Browsing History, click the 'Delete...' button.

In the Delete Browsing History popup window, put a check mark next to Temporary Internet Files. User may decide
whether to put a check mark in all other boxes in this window.

Click on the 'Delete' button at bottom of popup window.

Click on OK until exited completely from options.

Deleting Cookies Only:

WARNING!MFA Impact - Doing this will cause an end user to be challenged at login
on an authorized computer.

Click on TOOLS.

Select INTERNET OPTIONS.

Click the GENERAL tab.

Under Browsing History, click the 'Delete...' button.

In the Delete Browsing History popup window, check the box for Cookies. Uncheck all other boxes in this window,
with possible exception of 'Preserve Favorites website data'.

Mozilla Firefox 4+ Settings

Browser Settings:

From the menu bar, click on "Tools".

From the Tools menu, select "Options...".

In the Options window, select the "Privacy" icon

Check If the "Firefox will" dropdown option is "Never remember history," cookies will be deleted from the browser upon browser close; if user is experiencing trouble with the MFA cookie, you can change the option to "Remember history" so that the cookie remains between sessions.

If the "Firefox will" dropdown option is "Use customer settings for history," ensure that both the "Accept cookies from sites" and "Accept third-party cookies" boxes are checked (ON) and the "Keep until" dropdown option value is "they expire."

In the Options window, select the "Content" icon.

Uncheck (OFF) the checkbox for "Block Popup Windows". * Or if you choose to have it checked (ON), be sure to add your FI's domain to the list of Allowed Sites.

Check (ON) the checkbox for "Load Images automatically".

Check (ON) the checkbox for "Enable JavaScript".

In the Options window, select the "Advanced" icon/tab.

Select the "Security" section.

Check (ON) the checkbox for "Use SSL 2.0".

Check (ON) the checkbox for "Use SSL 3.0".

Click on OK button to close the Options window.

Deleting the Cache: (a.k.a. Temporary Internet Files)

From the menu bar, click on "Tools".

From the Tools menu, select "Options...".

In the Options window, select the "Privacy" icon.

If the "Firefox will" option in the dropdown is "Remember history," click on the "clear your recent history" link in the dialog box; if the "Firefox will" option in the dropdown is "Never remember history," click on the "clear all current history" link in the dialog box.

In the "Time range to clear" dropdown option, choose "Everything".

In the "Details" section, expand the selection (if necessary) by clicking on the down button.

Ensure that "Cache" is the only option selected and click "Clear Now".

Click the OK button to close the Options window.

Deleting Cookies Only:

From the menu bar, click on "Tools".

From the Tools menu, select "Options".

In the Options window, select the "Privacy" icon.

If the "Firefox will" option in the dropdown is "Remember history," click on the "clear your recent history" link in the dialog box; if the "Firefox will" option in the dropdown is "Never remember history," click on the "clear all current history" link in the dialog box.

In the "Time range to clear" dropdown option, choose the date range that is most appropriate; please note that this will delete all cookies for the user for the given timeline regardless of site.

Selecting "Today" should help clear cookies related to a user's session.

Selecting "Everything" will remove all cookies in the browser.

In the "Details" section, expand the selection (if necessary) by clicking on the down button.

Ensure that "Cache" is the only option selected and click "Clear Now".

UNABLE TO LOG INTOINTERNET BANKING

If you can view the other areas of our Web site, but are unable to access Internet Banking, it may indicate a
problem accessing all secure Web sites. Both your browser and Internet service provider must support secure sites.
This Web site is designed for Microsoft® Internet Explorer 8.0 or higher,
Mozilla Firefox 4.0 or higher, or Safari 6.0 or higher for Macintosh. Using other browsers may cause the Web pages
to appear misaligned and prevent access to Internet Banking.

IMPORTANT: It is highly recommended that the newer browsers be used to access Internet Banking.

If you are using one of the browsers mentioned above and are still experiencing a problem, the problem may lie
with the Internet service provider. This is particularly common with employer-based access to the Internet. Your
employer may have firewalls, proxy servers, or other equipment that may prevent access to secured sites. Contact
your company's Data Processing Department regarding the problem or try to access Internet Banking from another location.

IMPORTANT: When reporting problems to our Customer Service, have as much information ready as possible
(e.g., browser version, etc.).

Receiving the following message after logging in successfully will stop all further processing and/or access to
any portion of Internet Banking during this session: "Internet Account Access Session Error." Return to
the login screen to start a new session. This error indicates that you did not accept one or more cookies. In order
to enter the secured encrypted site you must accept the cookies. Since there are several within Internet Banking, it is
suggested that you disable the cookie alert within your browser while viewing account information.

IMPORTANT: If you are prompted with a dialog box that asks you to re-enter your password, (after initially entering your User ID and Internet Banking password), your browser may not support JavaScriptTM, or JavaScriptTM may not be enabled. An upgrade may be necessary.

If you have already upgraded your browser, the "Enable JavaScript" function may be disabled.

To enable JavaScriptTM in Microsoft® Internet Explorer 8+:

Click on TOOLS.

Select INTERNET OPTIONS.

Click on the SECURITY tab.

Set the Security Level for the Internet Zone to MEDIUM.

Click on the button marked "Custom Level"

Under Java Permissions make sure the radio button is set to Medium Safety.

Under Scripting of Java Applets make sure the radio button is set to ENABLE.

When logging into Internet Banking, you may see the following message box:

Select "Yes" to continue.

Additional Third Party Software (TPV)

Due to increased security, certain third party toolbars/software may prevent end user access into Internet Banking. This can also include some types of pop-up blockers. In order to log into Internet Banking, this software may need to be disabled or uninstalled. Please refer to the third party vendor instructions for information on how to perform these steps.

Spyware/Adware

Due to increased security, certain spyware/adware may also prevent access into Internet Banking. In order to log into Internet Banking, users must remove this type of software from their computer.

Spyware is Internet jargon for advertising supported software (Adware). It is a way for shareware authors to make money from a product, other than by selling it to the users. Adware typically reports your Internet surfing habits back to a third party site for data collection purposes. In order to protect your financial privacy, it may be necessary to install a spyware/adware search tool to determine if your computer has any of this software installed. If you determine that adware or spyware has been installed on your computer, the software will need to be removed.

HOW TO ALLOW POP-UPS FOR THIS SITE

Some of the services we offer open in pop-up windows. If you find that these do not display, they are probably blocked by your Web browser, a browser toolbar, or another Internet security tool. We assure you that it is safe and secure to allow pop-ups for this site and recommend you do so to access all of our services.

Listed below are some of the most popular browsers and pop-up blockers. To enable pop-up windows for this site, please select the browser or tool you are using and follow the instructions provided.

For Macintosh users, in order to disable the pop-up blocker in Safari:

Open the Safari menu and select the Preferences option.

Uncheck Block pop-up windows.

For Windows users, in order to disable the pop-up blocker in Safari:

Open the Edit menu and select the Preferences option.

Click on the Security tab.

Uncheck Block pop-up windows.

You can now click the link for the service that was blocked earlier. Once you are finished with our online services, you can turn
the pop-up blocker back on if you wish to keep it active for other sites.

If the option was not checked, or if you still do not see the service open in a pop-up window, you may have another third-party tool
blocking pop-ups that you also need to modify in order to use the service (see below).

If you are running the latest version for Google Chrome, you will likely see a message appear automatically in your browser
when a pop-up window is blocked. In order to disable the pop-up blocker in Google Chrome:

From the Tools icon (wrench) select Options.

From the Options menu select Under the Hood.

From the Privacy menu select Content settings.

Pop-ups: Allow all sites to show pop-ups.

You can now click the link for the service that was blocked earlier. Once you are finished with our online services, you can turn
the pop-up blocker back on if you wish to keep it active for other sites.

If the option was not checked, or if you still do not see the service open in a pop-up window, you may have another third-party
tool blocking pop-ups that you also need to modify in order to use the service (see below).

COMPATIBILITY TEST

Having difficulties viewing the test or not seeing the test results could be due to one or more of the following:

Pop-up Blocker. If your browser uses a pop-up blocker, please disable it and click on the Test Again link. For more information regarding pop-up blockers please refer to the specific section for your browser by clicking on the link located in the index at the top of the page.

JavaScript is disabled. If your browser has JavaScript disabled, please enable it and click on the Test Again link. Click here for more information about JavaScript.

Alternative Browsers. Using an outdated, branded, or non-standard browser might cause test errors. Attempt to run the test on a recommended browser to see if the test can be successfully run. Click here for a list of recommended browsers.

If you are still not able to view the test, please contact our Customer Service for further help.

ERROR MESSAGES

Error Messages - To show our Customer Service the exact error message that you are receiving, display the error message on your screen then press ALT+Print Screen on your computer's keyboard. This will transfer the image to your clipboard. Open your Word Processor and paste the selection. You can save this file and e-mail it to our Customer Service for support.

When experiencing an error message, try the following steps before contacting our Customer Service:

1. Close the browser.
2. Retry.
3. Delete the Cache, Reload, or Refresh.

After trying this and you still continue to receive the error message, contact our Customer Service.